Call reports 2008
CITIZENS NATIONAL BANK OF CROSBYTON — 2008
What CITIZENS NATIONAL BANK OF CROSBYTON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 41,217,000 | 39,862,000 | 38,958,000 | 39,892,000 |
| Total loans | 9,132,000 | 10,854,000 | 12,765,000 | 11,999,000 |
| Allowance for loan losses | 231,000 | 231,000 | 231,000 | 232,000 |
| Securities available for sale | 2,007,000 | 3,421,000 | 3,487,000 | 3,500,000 |
| Securities held to maturity | 14,000 | 14,000 | 14,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,541,000 | 34,199,000 | 33,118,000 | 33,939,000 |
| Interest-bearing deposits | 24,365,000 | 27,076,000 | 27,677,000 | 28,649,000 |
| Noninterest-bearing deposits | 11,176,000 | 7,123,000 | 5,441,000 | 5,290,000 |
| Equity capital | 5,488,000 | 5,485,000 | 5,669,000 | 5,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 991,000 | 1,476,000 | 1,945,000 |
| Interest expense | 216,000 | 402,000 | 574,000 | 736,000 |
| Net interest income | 294,000 | 589,000 | 902,000 | 1,209,000 |
| Noninterest income | 60,000 | 111,000 | 157,000 | 205,000 |
| Noninterest expense | 152,000 | 312,000 | 472,000 | 669,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 388,000 | 587,000 | 745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 388,000 | 587,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,481,000 | 5,564,000 | 5,682,000 | 5,790,000 |
| Total capital | 5,663,000 | 5,761,000 | 5,893,000 | 5,998,000 |
| Risk-weighted assets | 14,519,000 | 15,729,000 | 16,924,000 | 16,639,000 |